Bert Ritter is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent 14 years with Legend Equities Corporation. Additionally, Ritter has been involved with Teachers Sharing Answers, a life and fixed annuity sales and marketing entity, since 1984. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and investment management services, using both strategic and tactical approaches overseen by an Investment Management & Research team.

Brandi Starr is a CFP® professional with 19 years of industry experience. She is currently with Empower Advisory Group and has previously worked at Morgan Stanley and E*TRADE. Outside of her advisory role, she volunteers as a group leader for a financial freedom class at Grace Family Church, focusing on budgeting, saving, and spending goals. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm offers integrated services tied to Empower’s administrative platforms, emphasizing long-term portfolio returns and annual rebalancing through proprietary and third-party planning methodologies.

Ryan Frankel is a CFP® professional with nine years of experience in the financial services industry. He is currently with Mercer Global Advisors Inc., where he has been since 2022, having previously worked at Kestra Advisory, Morgan Stanley, CapitalRock Financial LLC, Platinum Wealth Partners, and JP Morgan Securities LLC. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering investment advisory services alongside financial, tax, retirement, and estate planning. The firm employs a Modern Portfolio Theory-based approach that utilizes globally diversified, risk-appropriate portfolios through a mix of low-cost ETFs, index funds, separate account managers, and other investment vehicles.

Chester Blackmon is a financial advisor at AE Wealth Management, LLC with seven years of industry experience. He holds a Series 65 designation and has worked at firms including Trident Retirement Group, Horter Investment Management, Big Financial Services, and Accurate Advisory. Outside of his advisory role, he is the owner of Trident Retirement Group, which involves insurance sales and services. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining various model portfolios and discretionary management, supporting advisors with internal consulting and model licensing programs.

Jonathan Abbuehl is a financial advisor with TIAA-CREF who holds a Series 66 designation and has 12 years of industry experience. He has been with TIAA-CREF since 2017, and previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2017. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with connections to TIAA-administered retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management using model or customized portfolios through a vertically integrated advisory structure.

Jack Bell is a CFP® with 14 years of experience in financial advising, currently with Schwab Wealth Advisory, Inc. He has previously worked at firms including Truist Investment Services, BB&T, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, delivering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees for its advisory services.

Charles Waddell Jr. is a financial advisor with Lincoln Investment, holding a Series 66 designation and 30 years of industry experience. He has been with Lincoln Investment since 2017 and previously worked at Legend Equities Corporation for seven years. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and investment management services, utilizing both strategic and dynamic approaches overseen by its Investment Management & Research team.

Heike Soell Parrish is a financial advisor at Empower Advisory Group with 26 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at J.W. Cole Advisors and T. Rowe Price Investment Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates in its financial planning, serving a large participant base relative to its advisor headcount.

Michael Wu is a financial advisor at Steward Partners Investment Advisory, LLC with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has held positions at Morgan Stanley, Raymond James, and USAA Financial Advisors. Wu is based in Land O Lakes, FL. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets and supporting a national advisor network. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations, offering a range of advisory and portfolio management solutions.

Patricia Delgado is a financial advisor at Fifth Third Securities, Inc. in Tampa, FL, holding Series 65 and Series 63 licenses with one year of industry experience. Her prior roles include positions at Fifth Third Bank, Chase Bank, and MC Solar, as well as employment at the University of South Florida. Fifth Third Securities, Inc. serves a broad range of individual and institutional clients through investment advisory and brokerage services, offering access to the Passageway Managed Account Program with multiple portfolio management options and risk-based program selection.

Jonathan Valdez is a financial advisor with PNC Wealth Management in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior roles include positions at J.P. Morgan Securities and JP Morgan Chase Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and invests in mutual funds and ETFs with annual rebalancing.

Joshua Sanders is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has worked with Truist Advisory Services and related entities since 2013, including BB&T Securities, LLC from 2019 to 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation analysis, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary approaches supported by AI-enabled research and inter-affiliate integration.

Patrick Gilchrist is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Schwab-related firms for over 20 years, including roles at Charles Schwab Bank and Charles Schwab. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, delivering advice without charging clients directly and distinguishes itself by not acting as a discretionary portfolio manager.

Maria Rios is a financial advisor at Citigroup Global Markets with five years of industry experience and a Series 66 designation. She has been employed with Citibank since 2000. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, providing solutions for a broad range of client needs including workplace and high-net-worth portfolios.

Jesus Lopez is a financial advisor at Lincoln Investment with a Series 66 designation and two years of industry experience. His prior work includes roles at National Life Group and involvement with St Luke Catholic School and the Fellowship of Catholic University Students. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a range of advisory programs using both in-house and third-party investment strategies overseen by an Investment Management & Research team.

Jack Sardegna is a Certified Financial Planner (CFP®) with 31 years of industry experience. He has been with GWN Securities Inc. since 2018, following a 19-year tenure at AXA Advisors, LLC. Sardegna also provides clients with life, health, annuity, disability, and long-term care insurance products. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a large network of about 423 advisors and manages approximately $3.65 billion across more than 37,000 client accounts, offering a range of managed-account programs that include both traditional and legacy market-timing and momentum-based strategies.

Keith Willett is a financial advisor with Principal Financial Services who holds Series 65 and Series 63 designations and has 30 years of industry experience. He has been associated with Principal Life Insurance Co and Princor Financial Services since 2006 and is a partner at One Source Advisory LLC, a marketing entity. Willett is also involved in Intrust Business Partners, LLC, an entity formed to manage group benefits commissions among business partners. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers a range of advisory programs, financial planning, and access to third-party money managers through various advisory and promoter arrangements.

Edward Palacios is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at PNC Investments since 2016. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm uses algorithm-driven risk assessments to implement investment strategies via mutual funds and ETFs, with portfolio management delegated to third-party providers.

Nelson Saladino is a financial advisor with Principal Financial Services, holding a Series 66 designation and six years of industry experience. He has worked at Monarch Wealth Management Group since 2020 and has additional experience with Principal Securities Inc and Principal Life Insurance Company beginning in 2019. Outside of his advisory role, Saladino is licensed as an insurance agent offering fixed life, annuity, disability income, health, long-term care, Medicare supplements, and group products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various adviser and promoter arrangements.

Michael Miller is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Truist Advisory Services and Wells Fargo, among other firms. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, using a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.